PM Jan Dhan Yojana
DeliveredLaunched August 2014 · Economy
At least one basic bank account per household: universal financial inclusion, and the backbone of the JAM (Jan Dhan–Aadhaar–Mobile) trinity for Direct Benefit Transfer.
What was promised
- A zero-balance basic savings account for every household, with a RuPay card and overdraft facility.
Progress update history
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August 2025
56.16 crore accounts holding ₹2.68 lakh crore in deposits (August 2025, 11th anniversary); deposits about 12 times the August 2015 level.
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August 2025
Women hold 55.7% of accounts; 66.7% of accounts are in rural and semi-urban areas; 36.68–38.68 crore RuPay cards issued. About 13 crore accounts were inactive as of August 2025.
Sources: Parliament answer (Sansad), PM Jan Dhan Yojana: accounts and deposits · PIB, PM Jan Dhan Yojana 11 years